Obviously many people use credit foolishly. But have you really thought about a society without borrowing? No student loans? No mortgages? To me it seems like that would do more to create barriers between the wealthy and the poor than anything else. If you wanted to make a permanent underclass, keeping people from going to college and keeping people from building equity by owning a home seem like a good start.
-k
Credit is a tool like any other. People can use tools poorly or use them well, it's up to them. A bad deal is a bad deal, and a good deal is a good deal. We must all choose wisely and always read the fine print.
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